Park Hills, MO · Charter 67716
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
8
Asset Quality
81
Profitability
60
Liquidity
65
Efficiency
16
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Park Hills, MO · Charter 67716
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.17% | -1.68% | -2.39% | -2.06% | -0.92% | -0.76% | 0.25% | 0.58% | +264 bps | |
| Return on Equity | -13.03% | -20.16% | -32.86% | -30.17% | -11.66% | -9.19% | 2.89% | 6.63% | +3,680 bps | |
| Net Interest Margin | 4.27% | 4.17% | 3.05% | 3.58% | 4.09% | 4.40% | 4.60% | 4.74% | +116 bps | |
| Efficiency Ratio | 117.68% | 121.00% | 132.81% | 112.28% | 105.02% | 104.99% | 93.88% | 90.93% | -2,135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.01% | 1.01% | 5.78% | 1.71% | -8.37% | -11.67% | -19.58% | -14.18% | -1,588 bps | |
| Loan Growth (YoY) | -8.65% | -9.48% | -12.46% | -12.12% | -13.13% | -13.25% | -11.79% | -10.75% | +138 bps | |
| Share Growth (YoY) | 2.10% | 4.27% | 8.89% | 4.67% | -7.36% | -12.74% | -20.95% | -15.85% | -2,051 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.19% | 1.61% | 1.14% | 1.02% | 0.95% | 0.89% | 0.18% | -96 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.96% | 1.54% | 1.54% | 1.11% | 1.05% | 1.13% | 1.05% | -49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.94% | 8.33% | 7.26% | 6.84% | 7.89% | 8.31% | 8.67% | 8.68% | +185 bps | |
| Net Worth / Assets | 8.94% | 8.33% | 7.26% | 6.84% | 7.89% | 8.31% | 8.67% | 8.68% | +185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.84% | 59.19% | 53.55% | 55.36% | 57.05% | 58.85% | 59.76% | 58.71% | +336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Park Hills, MO · Charter 67716 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.56%
Rank 1,057 of 1,683
Net Interest Margin
4.74%
Rank 231 of 1,683
Efficiency Ratio
90.91%
Rank 1,409 of 1,682
Equity / Assets
8.68%
Rank 1,547 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.56% | 0.35% | 0.74% | 1.18% | Beats 37% | 1,057 / 1,683 | ||
| Return on Equity | 6.47% | 2.67% | 5.89% | 8.74% | Beats 56% | 744 / 1,681 | ||
| Net Interest Margin | 4.74% | 3.31% | 3.82% | 4.32% | Beats 86% | 231 / 1,683 | ||
| Efficiency Ratio | 90.91% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,409 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.18% | 0.26% | 0.65% | 1.29% | Beats 81% | 320 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.68% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,547 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.68% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,547 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.71% | 52.61% | 69.38% | 83.50% | 33rd pctl | 1,127 / 1,683 | ||
| Loans / Assets | 53.49% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,014 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||